Bridging the Digital Financial Divide: Trust Formation and Fintech Adoption Intentions in Rural Vietnam

Tuan Minh Hoang, Vu Hiep Hoang · 2025 · Journal of Economics Finance and Management Studies

Summary. This study examines how rural Vietnamese consumers form trust in fintech services and decide to adopt them. Using surveys of 486 rural consumers across six provinces, the researchers found that perceived usefulness and social influence drive trust formation, while institutional support strengthens the link between trust and adoption. Strong institutional backing can offset weak technological confidence. The research identifies four different pathways to high adoption, showing that multiple combinations of factors achieve the same outcome in collectivist societies.

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@article{hoang-2025-bridging-digital-financial-divide-trust,
  title   = {Bridging the Digital Financial Divide: Trust Formation and Fintech Adoption Intentions in Rural Vietnam},
  author  = {Tuan Minh Hoang and Vu Hiep Hoang},
  journal = {Journal of Economics Finance and Management Studies},
  year    = {2025},
  doi     = {10.47191/jefms/v8-i10-54},
  url     = {https://doi.org/10.47191/jefms/v8-i10-54}
}

TY  - JOUR
TI  - Bridging the Digital Financial Divide: Trust Formation and Fintech Adoption Intentions in Rural Vietnam
AU  - Tuan Minh Hoang
AU  - Vu Hiep Hoang
JO  - Journal of Economics Finance and Management Studies
PY  - 2025
DO  - 10.47191/jefms/v8-i10-54
UR  - https://doi.org/10.47191/jefms/v8-i10-54
ER  - 

Details

DOI

10.47191/jefms/v8-i10-54

Countries

Vietnam

Regions

Asia

Categories

broadband-and-digital, funding, regional-innovation-systems, general-innovation

Added

2026-05-01